Before we can find the ZIP code on a credit card we have to understand it and know how the ZIP code looks like. It is a 5 digit number that often often has a 4 digit tail. The code is much older than the credit card.

What is ZIP Code?

ZIP stands for Zone Improvement Plan. It is a postal code used by the United States Postal Service or USPS. Initially it was introduced in 1963. The basic format consisted of five digits. In 1983 there was an improvement that added 4 digits. Extended version included the five original digits, followed by a hyphen and four additional digits that designated a more specific location. ZIP code is used by postal workers to deliver mail to your house. When you receive your plastic credit card in the mail – your ZIP code is on your mailing address.

Why would you need a ZIP code for a card?

You need the verification code when you pay for gas at a gas station. Imagine someone found your card and wanted to use it. Guessing your code is not an easy thing. At a gas station after the first wrong attempt the thief will not be able to try again for quite some time.

Online purchases often require the ZIP code of your credit card. In addition to security code and expiration date it adds another layer of protection. Merchants can ask for a this code to verify that the card is yours and it is not stolen.

How to find your ZIP code on your card?

When you receive your plastic credit card in the mail – your code is on your mailing address. When you fill address line 1 and address line 2 the following fields include ZIP code. So the answer for the original question is that the ZIP code for your credit card is the ZIP code where you received your credit card.

Does ZIP code change when you move?

Yes. The ZIP code for your card changes once you notify the issuing bank that you changed residence.